118 Ridge Rd, Troy, MO 63379 Property Records

Lincoln County property record for 118 Ridge Rd, Troy, MO 63379

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,288 sqft · built 1890
Lot Size	1.29 acres (56,497 sqft)
Owner	Individual Name on Record
Tax Bill	$1,154 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-50-22-000-000-003.001`

Property Details

APN / Parcel Number

Primary APN	`14-50-22-000-000-003.001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	56,497 sqft (1.29 acres)
Garage Area	572 sqft

Location & Zoning

Street Address	118 RIDGE RD
City	TROY
State	MO
Zip	63379-5436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.297 AC M/L IN THE SW PT OF THE SWNE OF SEC 34: SURVEY Y/54.B
Legal Range	01E
Legal Township	49N
Legal Section	22
Jurisdiction	LINCOLN MO
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3013
Census Tract	810309

Owner

Source: Lincoln County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	118 RIDGE RD, TROY, MO 63379-5436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Dec 11, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 13, 2015	Beneficiary Deed, Transfer
Jan 2, 2014	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2015
Deed Sale	Jul 13, 2015
Prior Sale	Jan 2, 2014
Deed Document Number	20155511
Deed Book / Page	2389 / 905
Prior Transfer Date	Jul 7, 2015
Prior Transfer Doc	02389/0905
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	118 RIDGE RD, TROY, MO 63379-5436
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 RIDGE RD, TROY, MO 63379-5436

Mortgage

Document Number	002494/973
Date	Oct 25, 2023
Book Page	2494/973
Instrument	2023008217

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Dec 11, 2025
Property Address	118 RIDGE RD, TROY, MO 63379-5436
Document Number	002516/583
Book / Page	2516 / 583
Map Reference	MB Y PG 54
Instrument Date	Dec 3, 2025
Instrument	2025010153
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 FRIEDENS CT, MOSCOW MILLS, MO 63362-1220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 RIDGE RD, TROY, MO 63379-5436

Mortgage

Document Number	2025010154
Date	Dec 11, 2025
Instrument	2025010154

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2015: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LINCOLN MO
Recording Date	Jul 13, 2015
Property Address	118 RIDGE RD, TROY, MO 63379-5436
Document Number	02389/0905
Book / Page	2389 / 0905
Instrument Date	Jul 7, 2015
Instrument	2015005511
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 HARBY DR, WENTZVILLE, MO 63385-4624

January 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN MO
Recording Date	Jan 2, 2014
Property Address	118 RIDGE RD, TROY, MO 63379-5436
Document Number	02343/0066
Book / Page	2343 / 0066
Map Reference	MB Y PG54
Instrument Date	Dec 30, 2013
Instrument	20140000004
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118N RIDGE RD, TROY, MO 63379-5436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 GREEN ACRES DR, OLD MONROE, MO 63369-2317

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$19,857 (+5.11%) Land $3,202 Building $16,655
2025	$1,154.00 (+7.25%)	$18,892 (+8.8%) Land $3,202 Building $15,690	$104,510 (+14.36%) Land $16,850 Building $87,660
2023	$1,076.00 (+5.18%)	$17,364 (+5.67%) Land $2,945 Building $14,419	$91,390 (+5.67%) Land $15,500 Building $75,890
2022	$1,023.00	$16,433 Land $2,945 Building $13,488
2021			$86,490 Land $15,500 Building $70,990

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 5, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Systec Wireless Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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